# Payment API 2.0

div
div
⏱ 1 min
div
👤 Payment API Team
The Ratepay Payment API 2.0 is a [JSON-based web interface](https://wikipedia.org/wiki/JavaScript_Object_Notation) that implements the services essential for enabling online shops to use Ratepay’s payment products.

To process a transaction, the following APIs must be integrated:

1. [**OAuth Authentication API**](/docs/developer/authentication/authentication/)
To request access tokens for the Payment API 2.0. This should be included in the Authorization header for requests to the Payment API 2.0.
2. [**Payment API 2.0**](/apis/payment/openapi/payment_api)
With the Payment API 2.0, you can transmit and manage Ratepay transactions.


Depending on the sales channel and contractual agreements, the following services must be additionally integrated:

1. For online shops, the [**Device Fingerprinting**](/docs/developer/device_fingerprinting/device_fingerprinting) script must be integrated in your checkout.
2. A [**One Time Passcode**](/docs/developer/otp/introduction) request in your checkout, depending on contractual agreement.